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In the blue and pale beige areas on this map, a subsidy user's net payment for the cheapest available silver coverage will either rise less than 5 percent in 2017, or fall. (Image: McKinsey & Co.)

In most of the country, Affordable Care Act exchange plan prices may look a lot cheaper to healthy, low-income consumers who just want to get covered in 2017 than they do to sick people, higher-income people, or agents and brokers.

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